Jacksonville Bankruptcy Attorney
At the Law Office of William E. Horne, Jr., we offer tailored and
experienced bankruptcy representation to clients across the
Jacksonville, Florida area seeking financial relief with a Chapter 7
or Chapter 13 bankruptcy. Contact us today to speak with a
knowledgeable attorney about your options for filing for bankruptcy.
Chapter 7
By filing for Chapter 7 bankruptcy, you are
seeking a fresh start. Through this type of filing, also known as
liquidation, most of your debt will be dismissed and you will not be
obligated to repay it back. Certain types of debt are not eligible,
including child support payments and student loans. Not everyone
qualifies for a Chapter 7 bankruptcy. Our experienced bankruptcy
attorney can help you determine whether or not you qualify and if
this is your best option for debt relief.
Chapter 13
Reorganization of your debt and structured repayment are central
to a Chapter 13 filing. In this type of bankruptcy, we work with
your creditors to establish a repayment plan over 3-5 years. In
exchange for repaying your debts, a portion of your debt may be
dismissed, depending on your individual situation. Under a Chapter
13 bankruptcy, you may be able to stop a foreclosure on your home
and extend the repayment period on your debts, including your
mortgage. Given the complexity of this type of filing, it is
important that you work with a knowledgeable lawyer to make sure you
are receiving the full benefit of the bankruptcy.
Though the
bankruptcy laws changed in October of 2005, it is still possible for
most people to file for bankruptcy. However, there are many new
procedural hoops that must be jumped through, making it difficult
for individuals to file without guidance from an experienced and
knowledgeable bankruptcy attorney.
Many individuals have
tried to file bankruptcy without representation. Though this is
possible, if a mistake is made during the filing, it may prevent you
from gaining the bankruptcy protection you are seeking. We provide
clients with an abundance of information so they understand the
bankruptcy process and can partner with us to complete the process
as efficiently as possible.
In addition to providing
assistance with the bankruptcy filing, our firm strives to stop
creditor harassment. We also can guide you through the process of
attempting to stop foreclosure on your home and save other personal
property, like your car, boat, or a second home.
Contact a
Jacksonville bankruptcy lawyer at the Law Office of William E.
Horne, Jr. today to discuss your bankruptcy case. We offer a free
initial consultation so you can learn about your options without
cost or obligation. Flexible appointment times are also available.
Let us help you take control of your financial situation by
exploring Chapter 7 and Chapter 13 bankruptcy.